Payments infrastructure is being rebuilt for real-time settlement, embedded delivery, and cross-border efficiency. Coverage in this section tracks instant-payment rails, embedded finance inside B2B platforms, card-network challengers, and the regulatory shifts (PSD3, interchange caps) reshaping merchant economics and the rails that carry the world's money.
Moving money directly between bank accounts costs a fraction of what card networks charge merchants. The technology exists, the regulatory framework is in place, and the card networks are paying attention.
A technical guide to payment orchestration: routing, tokenisation, retries, reconciliation, cost modelling, and the build-versus-buy decision.
Buy now, pay later spread from Scandinavian fashion checkout buttons to a global consumer credit product worth hundreds of billions. The 'no interest, no credit check' pitch obscured a more complicated business model, one that regulators are now examining closely.
Embedded insurance is moving from travel sites to B2B software. Here's how the distribution economics work and where the margin really sits.
A sourced guide to B2B embedded-finance economics, regulated partner structures, Synapse lessons and a downloadable scenario model.
Independent fintech analysis — AI in banking, payments, crypto, and regulation. No spam, unsubscribe any time.
By subscribing you agree to our Privacy Policy.